[freeone3000]

RIA doesn’t have a guarantee as such — it’s a license to sell you securities and, also, give you advice on which securities to buy. Such a person or company doesn’t even necessarily keep an account: it’s a financial advisor certification. But this is the “actual broker-dealer” certification you’re asking for.

They keep your account at Apex Clearing, which is a very very large company that is not going anywhere anytime soon.

So, the key bit here is: do you trust them on that? They’ve got SEC filings and it’s as above-board as any other fintech. And next, are you prepared to argue with Apex for your money when/if they fail? And is this worth it to you for the product offered?